iphone User Guide & Manual

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2 Contents 1. Introduction Security Demo Mode Setup Activation My Profile Settings My Transactions Quick Summary Tax Settings Tipping Receipt Settings Help Transactions Manual mode Sale Pre-Authorization Refund Swipe Mode Sale Pre-Authorization Refund Tips Signature Capture & Transaction Recap ereceipt Transaction Recap Transaction Logs Receipts and Refunds Frequently Asked Questions What is PCI compliance? How does BluePay help me meet PCI requirements? What do I need to do to be PCI compliant? I think I ve found a bug! Security Issue Disclosure Call or support

3 1. Introduction This manual covers the operation of the BluePay Mobile Payments App for the Apple iphone, ipad, and ipod Touch as well as the use of the optional unimag card reader attachment. Download BluePay s Mobile Payments app onto your iphone, plug-in the card reader and you re ready to swipe any credit card, capture a digital signature right on the screen, and a receipt all from your mobile device. 2. Security The BluePay Mobile Payments App is designed according to the rules of the PCI-DSS specification. The app does not store any sensitive customer data and transmits all transactions using industry standard encryption methods. All processing occurs in PCI compliant high security gateways and data centers. To ensure maximum security for you and your customers, always use a passcode lock on your mobile device and choose a code that is not easy to guess. It is also recommended that you do not jailbreak your device as this significantly increases risk to hacking and phishing attacks. BluePay cannot be held liable for security breaches due to flaws introduced by jail breaking your device. Please see our Security FAQ for more information. 3. Demo Mode When you first install the BluePay Mobile Payments app on your mobile device the app will be in Demo Mode. Before activating your app for live transactions we recommend familiarizing yourself with the app by running some test transactions in Demo Mode. Demo Mode simulates the processing of transactions; no live data is transmitted from your device. 3

4 4. Setup 4.1 Activation Please refer to the setup guide that was given to you when your account was approved. This document will guide you through the activation and configuration of your app and associated systems. Once this process is complete you will be ready to use your app for live transactions. 4

5 4.2 My Profile Settings The My Profile settings screen allows you to customize a number of aspects of your app behavior. 5

6 4.2.1 My Transactions Provides a log of all sale, pre-authorization and refund transactions made on the device Quick Summary Provides an overview of total daily, weekly, and monthly sales, number of transactions and average transaction volumes Tax Settings If you process all of your sales with a set sales tax rate, you can enable the tax rate feature and enter the appropriate tax value here. If turned On, the app will automatically calculate the tax of each transaction Tipping Enabling the tip screen gives your customers a chance to enter a tip value, in either dollar or percent amount, during the transaction process. If turned On, the tip screen will appear after the main transaction screen and before the signature screen Receipt Settings When receipts are ed from your mobile phone they are sent using the default mail account for the device and are stored in the sent items folder for that account. If you would like to send a copy of the receipts you issue to a specific address you can enter it here under the BCC Receipts To: field Help Visit this page for mobile support, general information and to contact us. 6

7 5. Transactions Processing transactions is a quick and simple process. The transaction screen comes in two forms, one for manual input and one for swipe. If no swipe attachment is detected or the swipe is turned off in the application settings then only the manual entry option will be available. If a swipe unit is detected you will be able to toggle between manual and swipe mode by tapping the yellow button at the top of the screen. 7

8 5.1 Manual mode The default state for the app is processing in manual mode. To process a transaction you will need to enter all the relevant data for the transaction type you are performing. You can toggle between transaction types by selecting the transaction type you want from the toggle near the top of the screen; sale, pre-authorization, refund Sale By default the app is in Sale Mode. To process a sale you will need to enter the credit card number, expiration date, amount, and the security code. The security code is a 3-digit number found on the back of credit cards. For American Express, it is a 4-digit number found on the front of the card Pre-Authorization To process a pre-authorization select Auth from the transaction selector near the top of the screen. A pre-authorization proceeds exactly the same way as a sale except funds are not actually deducted from the customer s credit card until the pre-authorization is captured. Pre-Authorization captures are done through the transaction log entry for the original pre-authorization Refund To process a refund select Refund from the transaction selector near the top of the screen. You will need to enter the credit card details and transaction ID number from the original sale. The credit card used for the refund must be the same card used for the original purchase. The transaction ID can be obtained from the original transaction receipt, a search in the app transaction log, or from the online merchant gateway interface. Enter the amount to be refunded. You may refund any amount up to the original transaction amount. Note that the total value of all refunds cannot exceed the original sale amount. If you search a Transaction ID from within the app s transaction log, the transaction sale details will automatically update. Once the transaction details have been captured either manually or through the log search, tap the submit button to proceed to the next step. If you have the tip screen enabled, you will be taken to the tip entry screen otherwise you will be taken to the signature screen for digital signature capture. 8

9 5.2 Swipe Mode If you have a UniMag swiper attachment connected and enabled in the application settings you will have the option to capture credit card transactions by swiping the customer s card. Swipe Mode will immediately be enabled if a swiper is attached to the phone s headphone jack. Ensure the volume setting on the phone is at its maximum volume; this willl allow the card 9

10 reader to draw the appropriate power required. If preferred, you can easily transfer over to manual mode by tapping the Manual Mode button Sale To process a sale in Swipe Mode select Sale from the transaction selector near the top of the screen. Enter the transaction amount and a description. The description is optional and does not have to be filled out to proceed. Once the fields are completed, swipe the credit card with the magnetic strip facing away from you. On a successful swipe, you will automatically go to an authorization screen and be taken to the next step Pre-Authorization To process a pre-authorization select Auth from the transaction selector near the top of the screen. A pre-authorization proceeds exactly the same way as a sale except that funds are not actually deducted from the customer s credit card until the preauthorization is captured. Pre-authorization captures are done through the transaction log entry for the original pre-authorization Refund To process a refund select Refund from the transaction selector near the top of the screen. The transaction ID can be obtained from the original transaction receipt, a search in the app transaction log, or from the online merchant gateway interface. Enter the amount to be refunded. You may refund any amount up to the original transaction amount. Note that the total value of all refunds cannot exceed the original sale amount. If you search a transaction ID from within the app s transactions log, the transaction sale details will automatically update. Now tap the Swipe button and follow the prompts that appear to capture the card swipe. On a successful swipe you will automatically be taken to the next step. The credit card used for the refund must be the same card used for the original purchase. 10

11 5.3 Tips The BluePay Mobile Payment app gives you the option to prompt your customers for a tip. This feature can be enabled from the My Profile tab by adjusting the Tipping option. When tipping is enabled, the app will display a tip entry option after the transaction screen. The customer has the option of entering the tip as either a dollar amount or as a percentage of the transaction value. Note thatt if the app is configured to add tax automatically (feature enabled through the My Profile tab) and the tip is set to a percentage of the transaction, the tip value will be calculated on the total transaction including tax. Once the tip is entered tap Submit to move to the Signature Capture screen. 11

12 5.4 Signature Capture & Transaction Recap The Signature Capture & Transaction Recap screen allows the customer to digitally acknowledge the sale details and agree to the transaction by signing the receipt on the screen with their finger. You will be shown the transaction total as well as any tax or tip amounts. Tapping Clear will clear any signature on the screen but not the transaction. If you reach this screen, the transaction has already been processed. Tapping Clear wipes the screen clean and allows for another try. You can also shake your phone to wipe the screen clean. Tapping Submit will capture the signature and move you to the next step. Note that the signature is not stored in the application. The signature is attached to the digital receipt that is optionally ed to both the merchant and customer at the end of the transaction. If you choose not to a receipt then the signature will not be kept. 12

13 5.5 ereceipt The receipt option allows you to send your customer an electronic copy of their transaction information which includes the transaction ID, status, date, description and the transaction amount including any entered tax and tip values. A map showing the location of where the transaction took place is also attached, as well as the digital signature captured. If a customer doesn t want a receipt ed to them, simply tap Skip to be taken to the next step. As a merchant, you can enter a BCC address in the Receipt Settings within the My Profile Tab. If you enter a BCC address, all ereceipts sent out will be sent to this address as well. The will be sent using the default account on your mobile device. It is recommended to configure your phone to use a business as the default account as the customer will see this address in the From field of their receipt . 13

14 5.6 Transaction Recap This provides a summary of all transaction details including the transaction ID, status, date, description and the transaction amount including any entered tax and tip values. A map showing the location of the transaction is also included on the bottom half of the screen. All recap elements shown are included in the ereceipt that is sent out to you and your customers including the digital signature captured earlier. 14

15 6. Transactions The Transaction log contains a record of all transactions processed through the BluePay Mobile Payment Application. The transaction log is also where you can initiate returns and capture pre-authorized payments. 15

16 6.1 Receipts and Refunds To begin processing a refund from the transaction screen, find and select the transaction you wish to modify. You will arrive at a recap page that summarizes the transaction details and gives you the option to Send Receipt or Issue Refund. To refund, tap the Issue Refund button. You will be redirected to the Transaction Screen in Refund Mode. The transaction ID and details will automatically populate for you. 7. Frequently Asked Questions BluePay is dedicated to meeting or exceeding all industry-standard security practices to protect both our merchants and their customers. 7.1 What is PCI compliance? The PCI (Payment Card Industry) standards are a set of security best practices created by the major credit card issuers that all payment card industry (financial institutions, credit card companies and merchants) members must comply with in order to process credit card transactions. Failure to meet the requirements of the guidelines can result in fines or even the loss of the ability to process credit card transactions. PCI requirements include elements such as: All systems involved in transaction processing must have security patches installed in a timely fashion. Security settings must be configured according to industry best practices. Firewalls must be installed and properly configured. Any stored credit card numbers must be strongly encrypted. Access to credit card numbers and other restricted data must be limited to approved personnel only. 7.2 How does BluePay help me meet PCI requirements? BluePay Mobile Payments takes most of the burden of PCI compliance off the shoulders of our merchants. Card numbers and magnetic stripe and other sensitive data are not stored in the app or on the optional swipe units. Communication to the backend gateway is always done using industry standard encryption methods and secured connections. 16

17 All BluePay applications are designed to comply with PCI Data Security Standard (PCI- DSS), Level 1. The backend gateway and data centers are fully PCI compliant and certified. BluePay employees follow strict security policies and access to sensitive data is controlled on a need-to-know basis. 7.3 What do I need to do to be PCI compliant? Choosing the BluePay Mobile Payments Application is a great first step toward being a PCI compliant merchant. While the BluePay systems remove most of the burden of PCI compliance there are still some important steps you should take. Password protect your mobile device using a password that isn t easy to guess. Do not jailbreak your phone. Doing so significantly reduces the security of your mobile device. Keep your mobile OS and apps up to date with the latest patches and versions. To get more information on becoming PCI compliant please review the information at the website for the PCI Security Standards Council. 7.4 I think I ve found a bug! Users and security researchers play an important role in keeping any system secure. If you think you may have found a problem with our service please contact us at security@bluepay.com. BluePay will always respond to serious reports of potential security issues, most often within 24 hours of being informed. BluePay will provide you with contact information for our security teams and work with you to make sure the issue is fully understood. Our personnel will keep you informed of the state of our investigations and consult with you and any other involved parties on the best way to address the issue. 7.5 Security Issue Disclosure BluePay encourages responsible disclosure of security issues in any of our products. In order to ensure maximum security for our merchants and their customers BluePay pledges to respond to all reasonable issue reports as quickly as possible and we promise not to bring legal action against legitimate researchers provided they: Give BluePay a reasonable length of time to address the issue before disclosing details to the public or any third parties not directly involved in the disclosure. Do not attempt to obtain, view, alter, or interfere with data belonging to BluePay, its merchants, or their clients. 17

18 Provide BluePay with any and all details of the issue found. Do not seek any compensation for the disclosure. The security research community is important to us and we value its input. However, this should not be taken as an invitation to unauthorized testing of the security of our products or services. Please contact us before proceeding with any tests or research or if you have any questions about our policies. 8. Call or support Telephone Support Support 18

Mobile Application User Guide

Mobile Application User Guide SwipeSimple ios version 3.0 1 Contents 3 Part 1: Getting Started 3 Downloading the app 4 Signing in 5 Familiarizing yourself with the interface 19 Part 5: Items 19 Sorting